Who it's for
Students with no credit wanting guaranteed approval
Tomo Student Credit Card
Student card using alternative data, no credit score needed.
Last checked on September 1, 2026. We may earn a commission when you click through.
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✓ No credit score required
✓ No annual fee
✓ No interest
Tomo Student Credit Card
Mastercard · student
Our Verdict Recommended
Uses bank transaction data instead of credit scores. Must pay full balance — functions like a charge card.
What it really costs
| Annual fee | No annual fee |
|---|---|
| Minimum credit score | 300 |
You'll be redirected to tomocredit.com
The good and the not so good
- No credit score required
- No annual fee
- No interest
- Reports to bureaus
- Must pay full balance
- Lower credit limits
- Requires bank linking
You'll be redirected to tomocredit.com
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